Financing Services

Click here to read about First National's strategy in New Mexico.

Talk to a commercial lending professional today.

Our collaborative approach ensures that you will receive financing tailored to your specific business goals. In addition, we have the expertise to handle all aspects of the lending process in-house, resulting in quick and flexible credit solutions.

Lines of Credit

Rely on lending experts who understand what drives cash flow in your business, and can anticipate how your plans may require a short term cash infusion or pre-approve funds to make opportune business purchases.  A pre-approved line of credit enables you to negotiate pricing and make purchases without application and processing delays. We can provided financing that is flexible and convenient to help keep your business profitable in a competitive market.

  • Credit solutions to cover your daily and future needs
  • Custom financing with flexible terms
  • Local decision making and market expertise
  • Specializing in large and complex credits

Amortizing Term Loans

Maintain a healthy business posture by financing long-term asset purchases such as real estate, equipment, rolling stock or office systems. We specialize in unique structuring to ensure maximum profit gain and minimal impact on working capital.

  • Competitive rates and amortization time frames
  • Financing for new and used equipment
  • 'One stop' approvals
  • Draw feature combines two or more purchases into single note/payment

Commercial Real Estate Loans

We specialize in financing for the purchase or refinance of all types of commercial real estate. Our expert lending professionals will guide you through the process and help you optimize your financial structure.

  • Office/warehouse space
  • Retail stores and shopping centers
  • Apartments and multi-family buildings
  • Motel and hotels
  • Self-storage facilities
  • Mixed use property

Construction Lending

With our vast knowledge and experience, we can simplify the complex construction period for you. We'll help you monitor your construction costs, have professional construction inspections performed monthly, and disburse your funds with diligence and care using lien waivers and payments directly to the subcontractors.

  • Loan rates floating over prime +
  • Competitive fees, loan-to-cost and value terms
  • Short term interest only during construction period
  • Mini permanent loans to take you out at completion
  • Safe and monitored construction disbursement procedures

Professional Banking Services

Our experienced relationship managers combine their vast expertise with a highly personal approach to serve CPAs, attorneys and the healthcare fields. We offer customized financial solutions to meet the unique needs of your practice or firm throughout every stage of your business life-cycle - from start-up through retirement.

We offer the flexibility to provide you with working capital to support timing differences in the cash collection and distribution cycles. We also offer term financing for tenant improvements and capital expenditures.

Lending Solutions:

  • Working Capital Lines of Credit
  • Leasehold Improvements
  • Equipment Financing
  • Real Estate Financing
  • Relocation or Expansion of Existing Office

Contact Fran today!

Fran Lesher

Senior Vice President, Professional Banking Services

 Fran Lesher



SBA Lending

We understand the importance of supporting small business development to sustain the economic diversity and stability of a community. By working with various loan guarantee programs such as the US Small Business Administration, we can create a personalized financial business plan to help you succeed. These loans generally offer lower down payments, longer repayment terms and lower rates than conventional loans. In addition, our quick turn-around and hands-on guidance will get you where you want to be.

  • Owner occupied commercial real estate purchases, refinances and construction projects up to 90% financing
  • Business acquisition up to 85% financing
  • Partner buy-outs
  • Business expansions and startups
  • Machinery and equipment purchases
  • Working capital and inventory

Contact one of our Small Business lenders today for more information:

Credit Cards

We offer Our Visa® Business credit cards come with a variety of important business features including award-winning expense management tools, free employee cards, and added security benefits including EMV smart chip technology.  Learn more.